Michigan 529 Tax Deduction Calculator

2026 rules

Enter your contribution to see how much Michigan lets you deduct and what it saves you this year.

Your numbers

Filing status

Contribution per child this year

Children (beneficiaries) you contribute for

Household AGI

Result

Michigan tax saved$213

Total contributed$5,000
Deductible this year$5,000
Michigan tax saved this year$213
Saved per $1,000 deducted$42.50

The deduction is contributions minus qualified withdrawals made the same year.

Michigan at a glance

Benefit: Michigan lets you deduct up to $5,000 ($10,000 joint) of contributions to Michigan Education Savings Program (MESP), MAP or MET each year.
Plans that count: Michigan Education Savings Program (MESP), MAP or MET.
Good to know: The deduction is contributions minus qualified withdrawals made the same year.

Questions

Is there a Michigan tax deduction for 529 contributions in 2026?

Michigan lets you deduct up to $5,000 ($10,000 joint) of contributions to Michigan Education Savings Program (MESP), MAP or MET each year.

What can 529 money pay for without tax?

College tuition, fees, books, and room and board for students enrolled at least half time; up to $20,000 a year of K-12 tuition and expenses from 2026; apprenticeship costs; and up to $10,000 of student loan payments over a lifetime. States can treat some of these differently.

What happens to the Michigan deduction if I withdraw for something else?

A nonqualified withdrawal is taxed on its earnings, plus a 10% federal penalty, and Michigan can add back the deductions you took on the money you withdraw.